00630nam a22001457a 4500003000400000005001700004008004100021040001400062100002600076245017400102260003400276300003000310500011200340504003200452OSt20250906131424.0241114b        |||||||| |||| 00| 0 eng d  aMMSUcULS  aAgbayani, Jade Mae P.  aEffect of financial literacy on spending pattern and budgeting behavior of Mariano Marcos State University- College of Arts and Sciences students /cJade Mae P. Agbayani  aCity of Batac :bMMSU,c2024.  axiv, 99 leaves :c29 cm.   aThesis (AB Sociology) -- Mariano Marcos State University - College of Arts & Sciences, City of Batac, 2024.  aBibliography : leaves 73-81